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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF WGNB CORP. FOR THE THREE MONTHS ENDED MARCH 31, 2000 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> MAR-31-2000
<CASH> 11,735,474
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 19,000,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 43,175,997
<INVESTMENTS-CARRYING> 1,000,000
<INVESTMENTS-MARKET> 0
<LOANS> 194,421,852
<ALLOWANCE> 2,375,014
<TOTAL-ASSETS> 275,915,410
<DEPOSITS> 235,247,817
<SHORT-TERM> 400,000
<LIABILITIES-OTHER> 2,577,757
<LONG-TERM> 15,000,000
0
0
<COMMON> 3,882,061
<OTHER-SE> 18,807,775
<TOTAL-LIABILITIES-AND-EQUITY> 275,915,410
<INTEREST-LOAN> 4,691,239
<INTEREST-INVEST> 693,036
<INTEREST-OTHER> 78,009
<INTEREST-TOTAL> 5,462,284
<INTEREST-DEPOSIT> 2,033,427
<INTEREST-EXPENSE> 2,262,566
<INTEREST-INCOME-NET> 3,149,718
<LOAN-LOSSES> 50,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,236,365
<INCOME-PRETAX> 1,537,843
<INCOME-PRE-EXTRAORDINARY> 1,537,843
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 997,008
<EPS-BASIC> 0.32
<EPS-DILUTED> 0.31
<YIELD-ACTUAL> 9.21
<LOANS-NON> 580,000
<LOANS-PAST> 123,832
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 631,000
<ALLOWANCE-OPEN> 2,281,298
<CHARGE-OFFS> 10,743
<RECOVERIES> 54,459
<ALLOWANCE-CLOSE> 2,375,014
<ALLOWANCE-DOMESTIC> 2,375,014
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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